金融机构针对加工企业的库存咖啡豆、烘焙成品等存货，创新开展动产质押融资，并基于其与下游稳定 客户的应收账款提供融资支持，有效盘活了企业存量资产，满足了季节性收购与生产扩张的资金需求。 截至2025年11月末，全市银行业金融机构累计为咖啡加工企业办理应收账款质押融资4000万元，支持企 业新增咖啡加工能力约4000吨，带动35家加工企业扩大收购规模，平均每家企业收购半径扩大3至5个行 政村。 作为国家地理标志产品，"保山小粒咖啡"长期面临"有品类无品牌、有产量无溢价"的发展瓶颈，产业升 级与咖农增收双双受阻。近年来，在中国人民银行保山市分行的主动引领下，一场以金融系统性赋能为 核心的变革有序推进，通过精准滴灌产业链关键环节，不断重塑这颗"黑色宝石"的价值。截至2025年11 月末，保山咖啡产业贷款余额达5.68亿元，同比增长160.2%，惠及1943户市场主体。 信用破壁 活水直达田间 产业升级，金融先行。针对咖农、合作社及中小微企业普遍缺乏合格抵押物的痛点，中国人民银行保山 市分行引导辖区金融机构率先在信用价值发现上寻求突破：将企业的经营历史、纳税记录、专利商标以 及农户的种植规模、合作社交付信用等"软信息" ...

Group 1: Financial Support for Agriculture - Financial institutions can provide funding support for agricultural development, stimulating its potential [1] - China Bank Yunnan Branch leverages local resource advantages to promote highland characteristic agriculture in Yunnan [1] - The bank implements innovative models to meet industry needs and extends the industrial chain for high-quality development [1] Group 2: Financing Solutions for Tea and Coffee Industry - The tea and coffee industries in Yunnan face financing bottlenecks due to light asset operations and lack of collateral [2] - China Bank has launched "Yun Tea Loan" and "Yun Coffee Loan" to address these challenges [2] - The bank has issued loans totaling over 55 million yuan to 17 coffee enterprises and over 79 million yuan to 31 tea enterprises [3] Group 3: Diverse Guarantee Methods - China Bank has introduced a "Six-Dimensional Guarantee Matrix" to provide various collateral options for tea and coffee enterprises [2] - The matrix includes credit, property mortgage, shareholder guarantees, export policy pledges, accounts receivable pledges, and intellectual property pledges [2] - Specific loans issued include 5 million yuan for a trade company, 10 million yuan for a tea company, and 8 million yuan for a coffee company [2] Group 4: Support for Flower Industry - The flower industry in Yunnan is expanding, but it faces challenges such as insufficient technical investment and lack of scale [4] - China Bank has developed the "Yun Flower Loan" to support financial needs in the flower industry [4] - The bank collaborates with stable upstream suppliers to provide credit support for procurement and expansion [4] Group 5: Impact of Financial Support on Production - A flower planting company received 3 million yuan in loans to upgrade its irrigation system, doubling its production efficiency [5][6] - The company improved its production management through scientific planting methods and digital management [6] - Another company received 15 million yuan to expand production lines and increase store numbers [6] Group 6: Technological Empowerment in Agriculture - China Bank has introduced the "Star Hui Nong" loan, utilizing satellite remote sensing technology to assess agricultural land for loans [7] - This technology helps in evaluating the authenticity and growth of crops, enhancing credit management and risk assessment [7] - The initiative aims to improve the digital and informational level of rural financial services for small and micro enterprises [7]